NetCredit has partnered with Capital Community Bank, Republic Bank & Trust Company and Transportation Alliance Bank, Inc. d/b/a TAB Bank to offer personal loans and lines of credit in some states. In those states, applications will be underwritten by, approved by and made by a lending partner bank. Accounts will be serviced by NetCredit. Learn more here.
You’re more than a number in a database, and you deserve a financing solution designed for you. When you apply, advanced algorithms take a broader look at your finances to create an offer just for you. Learn how this technology is helping more people get credit
You can borrow an amount that meets your needs and repay in a way that works for your financial situation. Learn more about the financial flexibility you can get with a personal loan or line of credit
Some online lenders don’t report to major credit bureaus. For NetCredit personal loans and lines of credit, your payment history is reported to major credit bureaus. That means you can build credit history by making on-time payments, giving you the power to build a better future. See how repaying on time can boost your credit
See how much you can get in minutes with a secure application.
Choose what you want and see if the available amounts and terms work for you.
If approved, requested funds are typically deposited the next business day or sooner.
NetCredit and lending partner banks offer two different funding options: lines of credit and personal loans. The availability of each product may vary by state. Both offer great features:
Fast and secure online application process
Funds the next business day or sooner
No collateral needed
On-time payments can build credit history
No penalty for early payoff
Comparing the benefits, funding amounts, pricing and repayment terms will help you decide which financing option is right for you. Head to our Rates & Terms for more details and to learn what is offered in your state.
| Personal Loans up to $10,000 |
Lines of Credit up to $4,500 |
|
|---|---|---|
| Overview | An installment loan that offers a lump sum with predictable payments | Revolving credit with increased flexibility |
| Duration | 6 – 60 months | Open-end credit |
| Funding | Lump sum disbursed up front | Revolving access to funds |
| Flexibility | Choose your loan amount and duration from the range you're offered. | Draw from your Available Credit as often as you'd like. |
| Rewards & Benefits | Refinance available in select states (learn more) | Fee Saver and Skip-a-Pay (learn more) |
| Repayment | Always know how much you're paying with a fixed APR and set payment amounts. | Payments are based on what you've borrowed, not your total credit limit. |
| Personal Loans up to $10,000 |
Lines of Credit up to $4,500 |
|---|---|
| Overview | |
| An installment loan that offers a lump sum with predictable payments | Revolving credit with increased flexibility |
| Duration | |
| 6 – 60 months | Open-end credit |
| Funding | |
| Lump sum disbursed up front | Revolving access to funds |
| Flexibility | |
| Choose your loan amount and duration from the range you're offered. | Draw from your Available Credit as often as you'd like. |
| Rewards & Benefits | |
| Refinance available in select states (learn more) | Fee Saver and Skip-a-Pay (learn more) |
| Repayment | |
| Always know how much you're paying with a fixed APR and set payment amounts. | Payments are based on what you've borrowed, not your total credit limit. |
This won't affect your credit score.
See what Alanna did to find financial stability.
Getting the loan in general gave me the cushion I needed to budget my bills accordingly…
Customer was compensated for sharing their story.
The service was quick and thorough. It was five stars treatment. The customer service agent was courteous and informative. This was my first time ever borrowing and I was nervous. She put me at ease
October 8, 2024
The service was quick and thorough. It was five stars treatment. The customer service agent was courteous and informative. This was my first time ever borrowing and I was nervous. She put me at ease
October 8, 2024
The service was quick and thorough. It was five stars treatment. The customer service agent was courteous and informative. This was my first time ever borrowing and I was nervous. She put me at ease
October 8, 2024
This won't affect your credit score.
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